The thought of bankruptcy can trigger a number of emotions for people. The reality is that many people are facing financial hardships, and it is important to know that you do have options for finding debt relief. Bankruptcy may be the best option for you. At our Minnesota law firm, we can help you start on a fresh financial path.
We are the lawyers at Walsh & Gaertner, P.A., and we represent individuals in consumer bankruptcy matters throughout the Twin Cities. We have more than 30 years of combined experience and are prepared to help you find a solution that addresses your financial needs.
Our St. Paul bankruptcy attorneys represent clients in:
- Chapter 7 bankruptcy: For qualifying individuals, we can help you file for bankruptcy under the Chapter 7 bankruptcy code. In a Chapter 7 bankruptcy, all unsecured debts will be eliminated and you can start on a fresh financial path.
- Chapter 13 bankruptcy: We help clients file for Chapter 13, commonly known as the repayment plan bankruptcy. In a Chapter 13 bankruptcy, you pay back a portion of your debts over a three- to five-year plan without interest or penalties accruing.
- Mortgage modifications and short sales: We represent individuals and banks with regard to legal matters involving mortgage modifications and short sales.
Bankruptcy Myths
There are a number of myths that exist about bankruptcy. The reality is that most of the negative things you may hear about bankruptcy are false. Here are some of the truths about bankruptcy:
- You will likely keep most (if not all) of your personal belongings
- You can get credit card debt relief with both Chapter 7 and Chapter 13
- Repossessions, creditor harassment and foreclosure stop when you file for bankruptcy
- Bankruptcy is better for your credit than a foreclosure
- You can start on a fresh financial path
Contact Our St. Paul/Minneapolis Debt Relief Attorneys
Schedule a free initial consultation with our firm and learn the benefits of bankruptcy. We can be reached online or by phone at 651-323-2457 or 888-863-4160. We are happy to schedule consultations at your convenience.
For your convenience, staff members speak White and Green Hmong dialects. Our office is located in St. Paul, near the state capitol. If you are not able to come to us, we will meet with you in another location.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
